Deposit & Club Accounts
Savings "Share" Accounts
To become a UNICORP member, you must open a Savings "Share" Account with a minimum initial deposit of $25.Maintain a minimum daily balance of $25.00 and you will receive the current interest rate. All deposits are insured by the National Credit Union Administration for up to $100,000 per uniquely owned account.
Click here to check our savings interest rates.
Free Checking "Draft" Accounts
Qualified members are eligible to open UNICORP Federal Credit Union's FREE CHECKING "draft" account.Free Checking Account Features:
- No Minimum Balance
- No Monthly Service Fee
- No Per Check Charges
- Overdraft Protection
- Debit Card
- ATM Card
- Direct Deposit
- Specially Priced Duplicate Checks
- Detailed Monthly Statement
UNICORP's FREE CHECKING is a convenient way to manage your personal finances without incurring any cost.
Certificate "Share" Accounts
To earn higher guaranteed interest rates with total safety, UNICORP Federal Credit Union offers Certificate "share" Accounts in terms ranging from six months to three years.You may receive your earnings monthly by check, transfer your earnings to another account, or compound the earnings back into the certificate.
For your convenience, all certificates, at maturity, have an automatic rollover feature at current interest rates if not redeemed within the notification period.
Early certificate withdrawals require a substantial interest penalty.
To see our current certificate rates, click here.
IRA Retirement Accounts
A secure retirement must be planned. UNICORP offers IRA Savings and IRA Certificate accounts to help you save for retirement with insured safety.- Earn Competitive Interest Rates
- No Annual Fees
- No Minimum Balance IRA Savings Club Accounts
- IRA CD Accounts Only $1,000 Minimum
To check our IRA savings rates, click here.
Senior Advantage Accounts
UNICORP Federal Credit Union members 55 years of age and older are invited to take "Advantage" of these special services and extra values.Senior ADVANTAGE Checking
- No Monthly Service Charge
- No Minimum Monthly Balance Required
- No Limit on Number of Checks You Can Write
- Up to 300 Free "Advantage" Checks Per Year
- VISA Check Card*
- 24/7 ATM Card* - Use at UNICORP, Alliance One, NYCE, and Cirrus
- VISA Card* - No Annual Fee! Check rates here.
- UNICALL-24 Telephone Banking
- CU Online Internet Banking
- FREE Travelers Cheques
- Reduced Fees on Travelers Cheques for Two
- Reduced Fees on American Express Gift Cheques
- FREE Money Orders up to amounts of $500.00
- FREE Cashiers Checks
- FREE Notary Service
- FREE Informational Seminars
- Direct Deposit of Retirement and Social Security Checks
- Toll Free Number - Use when you are traveling or live out of the area. 1-800-232-9597
*Must qualify for these services.
College Tracks Accounts
The "College Tracks" Account allows college students (18 to 24 years of age) to develop financial responsibility and establish credit."College Tracks" - Special Services
- Savings "Share" Account - Open with $25
- Free Checking "Draft" Account - No Service Fees
- No Limit on Number of Checks You Write
- First 50 Checks Free
- 24/7 ATM Card - Nationwide Access via Alliance One, NYCE, and Cirrus
- 4 Free ATM Transactions Per Month (Other financial institutions may charge a fee for using their ATMs)
- VISA Card - Requires a Qualified Co-Signer
- UNICALL-24 Telephone Banking
- CU Online Internet Banking
- Student Loans - Guaranteed & PLUS Student Loans
- Call Us From School Toll Free 1-800-232-9597
UNICORN® Kids Club Account
Who can join? Any child of a UNICORP Federal Credit Union member 12 years old or under is eligible for enrollment in the Unicorn Kids Club.Benefits of Being a Unicorn Kids Club Member
Unicorn Kids Club members learn that saving money has many "rewards" beyond watching their money earn dividends and grow!Every Saturday Kids Club members may come in to conduct their business. After completing their transaction, the Unicorn Kids Club member may choose a surprise from the "Treasure Box", have a snack or make a craft!
Plus, "members only" drawings for prize baskets will be held periodically throughout the year.
There's even a special "UNICORN CLUB NEWS" section in our quarterly inFOCUS newsletter. Look in the newsletter for upcoming events and prize winners!
We even have an interactive, on-line page for kids called Googolplex. Give it
a try...just click here or on the Googolplex logo.
So you see...it is very rewarding and fun, for your kids to start saving money at UNICORP Federal Credit Union.
Become Unicorn Kids Club Member, Soon!
Stop by a UNICORP office and tell the member representative that you want your kids to join the Unicorn Kids Club. Minimum savings deposit is only $5.Your kids will receive a special membership card, a savings book and a coin saver when they are enrolled.
To check Unicorn Kids Club interest rates, click here.
Christmas Club Accounts
Make Christmas a little happier with a UNICORP Federal Credit Union Christmas Club account. It takes just a $25 minimum deposit and can be opened at any time during the year.Christmas Club checks are issued in early November. If any withdrawal is made before that time, your Christmas Club will be closed and you may not reopen it until mid-November.
To check Christmas Club interest rates, click here.
Special Club Accounts
If you are saving for something special like a dream vacation, a new car, or even for a rainy day, then a Special Club account may be for you.It offers a tiered interest rate plan so you can earn more with larger balances.
To check Special Club interest rates, click here.
